大家好！“美国退休账户详解” （All About Retirement Accounts）这套课程终于上线啦！被大家呼吁了2年多，我终于克服了拖延症把这套课程做出来啦！
购买链接如下：

别忘了用 coupon code “MONEY324”，获取50%的折扣！

这套课程分40个小节，涉及了美国常见退休账户的方方面面。有基础知识，比如401K和IRA的区别，Backdoor IRA如何操作；也有实操中常见的细节问题，例如Roth IRA存多了怎么办？留学生要回国了401K怎么办？Backdoor操作的时候被扣税了怎么办？
内容以我频道里的原视频为骨架，补充了视频没有的知识点，整合加工完成。我在整套课程里有意地把知识点串联梳理起来，由浅入深、系统地呈现给大家。作比较、列数据、讲实操、作总结，同一个知识点在不同场合反复出现，我就从不同的角度反复地说它。保证你在看完这套课程之后能把之前一些似懂非懂模模糊糊的概念全部吃的透透的。（第315期“Mega Backdoor”就是课程的节选，想要了解课程风格的朋友欢迎试听第315期）
每一个必要的场合都配了例子，每个例子都配了数字。该有的图表，分析等等都给它配起来。涉及计算的时候拿数字说话，还融合了原频留言区的观众留言（有观众提的好问题也有有价值的补充）。
我对这套课程的内容非常有信心，希望能够帮到有需要的朋友！

购买链接如下：

别忘了用 coupon code “MONEY324”，获取50%的折扣！

大纲如下：
前言
1. 401K
1.1 什么是401K
1.2. How does 401K plans Work
1.3. Contributing to a 401K
1.4. How does a 401K make money
1.5. Withdrawals from 401K
1.6. 离职之后401K 的match问题
1.7. 离职之后401K怎么处理
1.8 Roth 401K里面雇主match的钱是税前的还是税后的
1.9. 401K Loan
1.10. Traditional 401K Vs. Roth 401K

2. 回国之后退休账户怎么办？
3. IRA
3.1. IRA 简介
3.2. 什么是Earned income
3.3. IRA 有什么优点
3.4. IRA有什么缺点和限制
3.5. 未来的税率问题
3.6. Roth IRA简介
3.7. 什么是税前的钱？什么是税后的钱？
4. Roth IRA
4.1. Roth IRA简介和Roth IRA与传统IRA相同的地方
4.2. Roth IRA 和IRA不同的地方
4.3. 从Roth IRA中取款的问题
4.4. Roth IRA 不qualified怎么办
4.5. 什么是recharacterization
5. Backdoor IRA
5.1. Backdoor IRA
5.2. 传统IRA里面既有税前的钱又有税后的钱
5.3. 传统IRA mixed，避税方法
5.4. backdoor IRA 8606
5.5. 股票跌了？为什么不抓住这个机会做Backdoor IRA？
5.6. Backdoor IRA不要用roll over的钱交税
5.7. Mega Backdoor Roth Strategy
6. 美国税法中的“收入”
6.1. 美国税法中的“收入” – 简介
6.2. 美国税法中的“收入” – Gross Income
6.3. 美国税法中的“收入” – AGI
6.4. 美国税法中的“收入” – Taxable Income
6.5. 美国税法上常见的几种收入- MAGI
6.6. 401K Deduction
7. Self-Directed IRA
8. 孩子的退休账户
8.1. 给孩子开Roth IRA
8.2. 529计划可以转成Roth IRA
9. 结束语
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大家好！欢迎通过如下链接加入会员“谈钱也谈情”(Money & Life)：会员福利包括会员专属视频、频道更新等等。谢谢大家的支持和鼓励！

如果您想“和我一起来谈钱”，欢迎写电邮到 AskWei@chattymoney.com 来信请在标题注明“访谈”。正文内容请大致介绍您在哪方面有心得体会/经验教训/投资机会/理财历程，或其它一切跟钱有关系的有趣有料的话题。

如果您想帮我把频道做的更好，欢迎点击如下链接打赏/One time Donation – Thank you!
…(read more)

LEARN MORE ABOUT: IRA Accounts

CONVERT IRA TO GOLD: Gold IRA Account

CONVERT IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

After moving – Catch-up edition 1: HVAC – Why was there no update last week? (Issue 324)

Greetings, dear readers! We apologize for the absence of the regular update last week. As some of you may know, we recently underwent a big move and encountered unexpected challenges along the way. Today, we will explain the reason behind the delay and delve into the topic of HVAC (Heating, Ventilation, and Air Conditioning) in your new home.

Moving to a new place can be a thrilling but daunting experience. It involves numerous tasks, such as packing, transport arrangements, and adjusting to a new environment. While we were excited about the move, it presented unforeseen obstacles that temporarily prevented us from providing our usual updates. However, we are back on track now and ready to provide you with valuable insights on various topics!

One important aspect to consider after moving into a new home is the HVAC system. Whether in extreme heat or bitter cold, a functional HVAC system ensures comfort and maintains a healthy living environment. Proper understanding of your HVAC system is essential for efficient use and maintaining its longevity.

First and foremost, it is vital to familiarize yourself with the different components of your HVAC system. Typically, it consists of a furnace, air conditioner, thermostat, ductwork, and vents. Each of these elements plays a crucial role in ensuring a comfortable atmosphere within your home.

One common issue faced by many homeowners is inadequate airflow. If you notice that certain rooms are not receiving an adequate amount of heated or cooled air, it might be due to issues with your HVAC system. Several factors can cause this problem, including ductwork leaks, blocked vents, or improper system balancing. It is recommended to consult a professional HVAC technician to diagnose and rectify these issues.

Another concern often encountered is uneven heating or cooling throughout the house. This can be caused by an unbalanced system, where certain areas receive more airflow than others. Besides, inadequate insulation or malfunctioning thermostats can also contribute to this problem. Regular maintenance and inspections are crucial to address these issues promptly, ensuring a comfortable living environment throughout your home.

Efficiency is another important aspect of your HVAC system. An inefficient system can lead to unnecessarily high electricity bills and potential environmental impact. Regularly cleaning or replacing air filters, scheduling professional maintenance, and setting programmable thermostats can significantly improve energy efficiency.

Additionally, optimizing the usage of your system can save energy and reduce costs. Utilizing natural ventilation during moderate weather, ensuring proper insulation, and sealing any air leaks are effective measures to enhance energy efficiency.

In conclusion, the recent delay in our updates was due to the challenges posed by our recent move. However, we are thrilled to be back and bring you the latest insights on a broad spectrum of topics, starting with HVAC systems in your new home. Remember to familiarize yourself with the components of your system, address any airflow issues promptly, and prioritize the energy efficiency of your HVAC system.

We hope you found this HVAC segment informative, and we look forward to providing you with more captivating articles in the future. Stay tuned for the next edition, as we dive into other intriguing topics that will enhance your knowledge and make your life easier. Thank you for your support and patience during this transition period.